Getting home insurance in South Australia is simple. All you have to do is compare policy benefits, find a brand that will cater to your needs and get a direct quote. Get many direct quotes if you like.
Home insurance will protect you from a scorching bushfire, a flash flood that came out of nowhere or a break-in that happened when you were out of town. So make sure you're prepared.
Get home insurance for South Australia here
The Finder Customer Satisfaction Awards recognise Australia's favourite brands across a huge number of categories. We survey thousands of real Australians to understand how they feel about their recent product purchases, and use that information to reward the most popular brands.
Here is the 2021/2022 winner and finalist in South Australia.
The following are some of the main reasons South Australians need to think about buying home insurance:
You've spent a lot of money. If you've spent money investing in a house, you don't want to fork out a lot more money if something goes wrong, whether that be a leaky roof or storm damage. Home insurance is an affordable alternative.
Bad weather. South Australia's coastline has a history of being hit by severe weather. Whether you live near the coast or in regional areas where bushfires are a risk, home insurance can protect you financially from South Australia's weather.
Protect your contents as well. Home insurance is not just about insuring your building, it's also about insuring your personal belongings and household items. With 15,800 incidents of attempted break-in reported to local authorities, according to the most recent figures, home insurance can protect your possessions from burglars and more.
Enjoy peace of mind. Once you've found the right home insurance policy, you don't have to worry about unexpected disasters leaving you in financial ruin. Policies protect you against everything from fires and storms to vandalism and burglary, leaving you free to get on with your life without worrying about the future.
Consider this when buying home and contents insurance in South Australia
It can be hard to know what to look for when buying home insurance in SA. These are the things worth considering before you buy a policy.
What kind of protection do you want? There are three main options: home insurance (sometimes referred to as building-only cover), contents insurance and home and contents insurance.
Total replacement cover or sum-insured cover?Total replacement cover will restore your home to its original condition before the event that caused the damage, while sum-insured cover reimburses you up to a specified amount limit. The latter is cheaper because it's riskier — you might have to fork out if you undervalue your home.
What are the main risks where you live? You'll need to decide on the important risks that you want your policy to cover. For example, bushfires can pose a significant threat to properties in rural areas of South Australia, while cover for impact damage caused by falling trees may be essential for other homeowners.
What type of home and contents insurance can I get in SA?
Home insurance Also known as building-only insurance, this insurance protects the physical structure of your home.
Contents insurance This insurance protects your valuables from things like damage, theft, floods and storms.
Home and contents insurance This is a combination of both home insurance and contents insurance in one policy.
How much does home and contents insurance cost in SA?
For an idea of how much home and contents insurance costs for the year in South Australia, check out the price comparison in the graph below.
Quotes were obtained for the same three-bedroom SA home in Goodwood.
Building replacement costs for all quotes was $1,000,000, with an excess of $500.
Contents were valued at $100,000.
Quotes were obtained in November 2021 and were for a combined home and contents insurance policy.
Occupied by the home owner who moved into their property in 2019.
Three-bedroom, one-story freestanding house on flat ground with brick veneer walls, terracotta tiled roof and built in 1980.
Keep in mind that home insurance costs in South Australia vary depending on a number of factors such as location. For instance, if you live in a flood-prone area or where theft is high, your premiums are likely to be higher.
Similarly, the construction of your home and its value will affect the cost of home insurance since specific building materials are more likely to resist damage and be cheaper to repair. Other factors include the security measures you've taken to protect it and the value of the belongings in your home.
It's also important to be aware that stamp duty applies to South Australian home insurance premiums at a rate of 11%. Make sure you factor this cost into your calculations when working out how much cover you can afford.
What insurers are available in South Australia?
The vast majority of Australian home insurers offer their policies to homeowners Australia-wide. This means South Australian residents can access cover from any of the leading insurers found in the finder.com.au home insurance panel, including the following:
Are there any exclusions and additional costs I should be aware of in South Australia?
Before deciding whether a policy is right for you, make sure you take a close look at the PDS and its list of general exclusions. For example, no cover will be available in the following situations:
If your claim is for damage from a bushfire within the first 72 hours of cover
If you fail to keep your home in good condition
If your home is being extensively renovated
If you leave your home unoccupied for a period of 60 days or more
If you fail to properly secure your home
Why you can trust Finder's home insurance experts
We're free
You pay the same as buying directly from the home insurer. Better still, we regularly run exclusive deals that you won't find on any other site – plus, our tables make it easy to compare policies.
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and we work with lots of home insurance brands, making it easier for you to find a good deal.
We're here to help
Since 2014, we've helped 150,000+ people find home insurance by explaining your cover options simply and clearly. We'll never ask for your number or email. We're here to help you make a decision.
* The products compared on this page are chosen from a range of offers available to us and are not representative of all the products available in the market. There is no perfect order or perfect ranking system for the products we list on our Site, so we provide you with the functionality to self-select, re-order and compare products. The initial display order is influenced by a range of factors including conversion rates, product costs and commercial arrangements, so please don't interpret the listing order as an endorsement or recommendation from us. We're happy to provide you with the tools you need to make better decisions, but we'd like you to make your own decisions and compare and assess products based on your own preferences, circumstances and needs.
Gary Ross Hunter is an editor at Finder, specialising in insurance. He’s been writing about life, travel, home, car, pet and health insurance for over 6 years and regularly appears as an insurance expert in publications including The Sydney Morning Herald, The Guardian and news.com.au. Gary holds a Kaplan Tier 2 General Advice General Insurance certification which meets the requirements of ASIC Regulatory Guide 146 (RG146).
More than you want to know about mould in the home. How to fix it, when the tenant or landlord is responsible for the costs, and whether insurance covers it.
How likely would you be to recommend finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Important information about this website
finder.com.au is one of Australia's leading comparison websites. We are committed to our readers and stands by our editorial principles
We try to take an open and transparent approach and provide a broad-based comparison service. However, you should be aware that while we are an independently owned service, our comparison service does not include all providers or all products available in the market.
Some product issuers may provide products or offer services through multiple brands, associated companies or different labeling arrangements. This can make it difficult for consumers to compare alternatives or identify the companies behind the products. However, we aim to provide information to enable consumers to understand these issues.
We make money by featuring products on our site. Compensation received from the providers featured on our site can influence which products we write about as well as where and how products appear on our page, but the order or placement of these products does not influence our assessment or opinions of them, nor is it an endorsement or recommendation for them.
Products marked as 'Top Pick', 'Promoted' or 'Advertisement' are prominently displayed either as a result of a commercial advertising arrangement or to highlight a particular product, provider or feature. Finder may receive remuneration from the Provider if you click on the related link, purchase or enquire about the product. Finder's decision to show a 'promoted' product is neither a recommendation that the product is appropriate for you nor an indication that the product is the best in its category. We encourage you to use the tools and information we provide to compare your options.
Where our site links to particular products or displays 'Go to site' buttons, we may receive a commission, referral fee or payment when you click on those buttons or apply for a product. You can learn more about how we make money.
When products are grouped in a table or list, the order in which they are initially sorted may be influenced by a range of factors including price, fees and discounts; commercial partnerships; product features; and brand popularity. We provide tools so you can sort and filter these lists to highlight features that matter to you.
Please read our website terms of use and privacy policy for more information about our services and our approach to privacy.
